Side-by-side · Q2 2026 data
Justice Federal Credit Union vs University of VA Community Credit Union
Credit union
University of VA Community Credit Union
Charlottesville, Virginia · $1 billion – $10 billion
Metric by metric
| Measure | Justice Federal Credit Union | University of VA Community Credit Union |
|---|---|---|
| TellerScore | 65 | 69 (stronger) |
| Capital cushion | 71 (stronger) | 54 |
| Loan quality | 57 | 81 (stronger) |
| Earnings | 48 | 51 (stronger) |
| Funding & liquidity | 73 | 88 (stronger) |
| Problem-loan coverage | 84 | 92 (stronger) |
| Peer percentile | 41st | 54th |
| Total assets | $1.1B | $1.6B |
| Deposits / shares | $997.6M | $1.4B |
| Capital ratio | 12.12% (stronger) | 10.44% |
| Problem loans | 1.28% | 0.57% (stronger) |
| Net charge-offs | 0.58% | 0.44% (stronger) |
| Return on assets | 0.70% | 0.77% (stronger) |
| Loans ÷ deposits | 87.7% | 72.5% (stronger) |
| Uninsured deposits | 10.2% | 6.8% (stronger) |
| Offices | 14 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.6% | — |
University of VA Community Credit Union has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Justice Federal Credit Union leads on 1 and University of VA Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.